This personal prayer book was written to spiritually inspire, guide and encourage the habit of prayer through "spontaneous" and "listening" prayers, supplementing "traditional" prayers. Some people say that they don't know "how" to pray spontaneously and maybe that is how you feel. Well, this book is a "how I do it." Pray these spontaneous prayers, as if they are your own. Then, edit Modify Create your own Use the prayer templates included in the book and make your own personalized prayer styles. Let your prayers reflect your own personal feelings, needs, emotions, and thoughts, and communicate with God on a personal level.

You see something you like and automatically reach for that old credit card. You ALWAYS use the card. Right? Why not? BUT, can you really afford it? In order to answer that question with any degree of accuracy, you need to have a budget. Not sure? Then you may benefit significantly by re-thinking your finances. After reading the entire book, you should be able to complete your own personalized written monthly budget using the budget elements in this book. You too can have a "good" budget and "live within your means." The goal of this book is to help interested persons be successful and, therefore, affect their entire lives and sense of financial well-being---to be successful in managing personal finances and plan for a comfortable, stable future

Happy people made the decision to be happy. As you work your way through this guide to happiness, look at each factor and determine how you can improve your life, how you can impact your own happiness. In some areas you may already be there or almost there. Good for you In other areas, you may need to make a decision to modify or change that element of your life. Remember: It's your life. You can be as happy as you desire